Dear sanjeev_caleb ,
Your money is safe if you take right steps at the right time.
You have to file a dispute, close a dispute & escalate it to a claim to get your money back..... all steps within the alloted time frame.
It might seem to be a tedious process but its a foolproof system.
The following link would be of help to you....
http://pages.ebay.in/help/tp/inr-snad-process.html
Umang Midha
.
http://stores.ebay.in/IndConcepts
.
.
best regards
Umang Midha